Charles Zhang (CFP®, ChFC®, CLU, MBA, MSFS)

Charles Zhang focuses in the
following client markets or areas of practice:

Corporate Executives

Divorce Planning

High Net Worth Client Needs

Investment Advice with Ongoing Management

LGBTQ+

Retirement Planning & Distribution Rules

Planning Specialties

MBA - Kellogg School of Management, Northwestern University
Executive Education - Harvard Business School and Columbia University
MA in Economics - Western Michigan University
MS in Financial Services - The Institute of Business and Finance.
Ranked #1 in Barron’s List of 2025 Top 100 Independent Advisors (2024, 2023, 2021): The 2025 list was released on September 15, 2025, based on data for the 12-month period ending June 30, 2025. Prior rankings were released annually in September of their respective years, based on data for the 12-month period ending June 30 of the award year. Zhang Financial does not pay a fee to be considered for or included in Barron’s rankings. The firm pays a licensing fee to Barron’s for the right to use the rankings and logo in marketing materials.
Ranked #5 in Forbes List of 2026 America’s Top Wealth Advisors: The 2026 lists were released on April 7, 2026, based on data for the 12-month period ending June 30, 2025. Zhang Financial does not pay a fee to be considered for or included in Forbes rankings, which are developed by Shook Research. The firm pays a licensing fee to Forbes for the right to use the rankings and logo in marketing materials.

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Additional Information

Our Mission Statement

"The mission of Zhang Financial is to provide each of our clients with unbiased advice, excellent service, and exceptional products while serving their best interests at all times. We strive to find the best strategies to help our clients achieve their financial goals in the most efficient and effective ways possible."

At Zhang Financial, we aim to benefit and enrich the lives of our clients by upholding what we believe to be the highest fiduciary standard of care. We eliminate the conflicts of interest inherent with commission-based models. We receive no compensation from selling proprietary products, engaging in principle trading, third-party payments, revenue sharing, commissions, kick-backs, or soft dollars.

We strive to be a nationally recognized, independent financial services firm by offering our clients what we believe to be unparalleled financial advice, first-class service, and an open-architecture investment platform for a competitive price.

We are confident you will appreciate working with an independent Fee-Only CERTIFIED FINANCIAL PLANNER™ practitioner and a professional staff that will always seek to put your best interests first.

NAPFA Start Date

January 15, 2013

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